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eWallet App Development Company

Itexus is a top-tier eWallet app developer, known for building feature-rich digital wallets with advanced capabilities like multi-currency support, QR code payments, P2P transfers, and cryptocurrency integration​

eWallet App Development Trends

Digital wallet usage is skyrocketing, with the global mobile wallet market projected to reach $7.58 billion by 2027​. Enterprises are increasingly investing in custom eWallet apps to offer seamless, cashless payment experiences to their customers and employees. As a leading ewallet app development company, we build enterprise-grade eWallet solutions that are secure, scalable, and packed with innovative features.


eWallet App Development Services We Offer

Open Wallets

Open wallets allow users to transact with a wide range of third-party merchants and services. These wallets are usually issued in partnership with banks or payment networks, enabling payments anywhere the wallet is accepted (both online and in-store).

Closed Wallets

Closed wallets are designed for single-company use. Funds stored in a closed wallet can only be used with the issuing company’s services or products. We develop closed wallet solutions that simplify transactions within your ecosystem, support easy top-ups and refunds, and provide rich data tracking for all transactions within your platform​.

Point of Sale (PoS) Payment Solutions

We develop digital wallet solutions that integrate with point-of-sale systems, enabling merchants to accept wallet payments in physical stores. Our PoS-focused eWallet apps include features for merchant QR generation, payment confirmation, and receipts, ensuring a smooth interaction between the mobile wallet and in-store sales system.

Cryptocurrency Wallets

Cryptocurrency wallets are specialized eWallets for storing, sending, and receiving digital currencies like Bitcoin, Ethereum, and other tokens. Our crypto wallet solutions can stand alone or integrate into broader eWallet apps, combining fiat and crypto in one user experience.

Banking Apps

Many banks and financial institutions now offer their own digital wallets or mobile banking apps with wallet-like features. We develop banking wallet apps that let your customers manage bank accounts, cards, and payments digitally.

Semi-Closed Wallets

Semi-closed wallets strike a balance between open and closed. They allow users to transact with a specific network of merchants or locations approved by the wallet issuer​. This model is ideal for, say, a coalition of businesses or a campus/city-wide wallet.

Prepaid Wallets

Prepaid wallets allow users to load a specific amount of money into the wallet in advance and then spend from that balance until it’s depleted. These wallets are great for controlled spending, gifting, or specific use cases like travel cards or youth spending accounts.

Loyalty Wallets

Loyalty wallets are focused on storing and managing loyalty points, rewards, or gift cards. Itexus can incorporate loyalty program integration into your eWallet app or build standalone loyalty wallets that consolidate multiple loyalty cards in one place.

Web and Mobile Wallets

We deliver both mobile wallet apps (for iOS, Android) and web-based wallets. Depending on your audience, you may need one or both platforms.

Peer-to-Peer (P2P) Payment Apps

P2P payment apps are eWallets centered on instant money transfers between individuals. We develop P2P wallets with real-time fund transfer capabilities using identifiers like phone numbers, email, or unique QR codes.

Contactless Wallets

Contactless wallets use technologies like NFC (Near Field Communication) or QR codes to enable payments without physical contact. In a contactless wallet app, users can simply tap their phone at a payment terminal or scan a QR code to pay, rather than swiping a card or handling cash.

Digital Gift Cards

Digital gift card wallets allow users to store and use gift cards electronically. We develop gift card wallet features including balance tracking, easy redemption at checkout, and integration with point-of-sale systems for balance update after use.

Have questions?

As a flexible ewallet app development company, we also build custom mobile wallet solutions that blend multiple functionalities or introduce new innovative features. Drop us a line and we’ll get back to you shortly!

Featured Projects

All Projects

Mobile Banking App for Migrants

itexus portfolio case

Mobile Banking App for Migrants

A mobile banking app for migrants designed to facilitate monetary transactions like financial help to families, getting paychecks early, microloans, etc.
  • .NET
  • iOS
  • Android
  • Swift

Mobile Bank Transfer App

itexus portfolio case

Mobile Bank Transfer App

  • Fintech
Mobile app-to-bank transfer solution that enables its users to send money from US-issued bank cards to Nigerian bank accounts. The app also allows users to pay bills internation…
  • iOS
  • Android
  • Angular.js
  • Kotlin
  • Swift
  • .Net Core
  • Azure

Mobile E-Wallet Application

itexus portfolio case

Mobile E-Wallet Application

  • Fintech
Mobile e-wallet application that lets users link their debit and credit cards to their accounts through banking partners, create e-wallets and virtual cards, and use them for mo…
  • .NET
  • Kotlin
  • Swift

Money Saving and Personal Finance Assistant App

itexus portfolio case

Money Saving and Personal Finance Assistant App

  • Fintech
A money saving app that enables users to track spending and monitor the balances of linked credit cards and bank accounts, plan their finances, and automatically transfer money …
  • Python
  • React.js
  • Kotlin
  • Django
  • Swift
  • AWS

Personal Finance Assistant App

itexus portfolio case

Personal Finance Assistant App

  • Fintech
  • ML/AI
An intelligent money management system designed to help users make proactive and rational decisions on their finances.
  • .NET
  • iOS
  • Android
  • React.js
  • Swift

eWallet App Development: Core Features

A successful eWallet application needs a rich set of features to satisfy user expectations. Based on our fintech experience, we implement all the core features of modern eWallets and can extend them with custom innovations. Below are the fundamental features you can expect in an eWallet app developed by Itexus.


Registration & Login

Smooth onboarding is crucial. We implement a seamless registration (account setup) and login process to minimize friction for new users. This includes social logins (sign-in via Google/Apple or social accounts) and support for biometric authentication like fingerprint or face recognition for quick, secure access​.


Sync Accounts

Linking the wallet with external funding sources is a core capability. We enable users to sync and manage multiple accounts within the eWallet – for example, adding credit/debit cards, linking bank accounts, or connecting to other payment services.


Backup Facility

This vital feature allows users to restore wallet data. The best practice is to provide multiple methods of data storage – e.g., syncing it with the Dropbox cloud, iCloud, via local WiFi connection, built-in email wallet backup feature, etc.


Balance Replenishment

Adding money to an eWallet from connected bank accounts, debit or credit cards, other digital wallets, etc.



Wallet-to-Bank Transfer

The Wallet-to-Bank option allows users to send money from their app account to either their own or to another person’s bank account or debit card.


Online Payments

The primary objective of eWallet apps is to provide users with time-saving and the easiest method of making secure multi-purpose payments thus this feature is a must. Enable users to pick their preferred method of transaction authentication – entering a PIN, fingerprint, retina scanning, etc.


Send and Receive Funds

Sending money through an eWallet can be carried out via entering the recipient’s phone number or scanning the QR-code of the recipient’s app account. Receiving money is available through the same options, or a user can send a payment request to other app users.



Transaction History

This must-have feature enables users to check all of the previous transactions and see such details as the transaction amount value, the sender or recipient’s data, dates of payments, etc. It helps users to better track and manage their personal expenses.


Check Wallet Balance

Displays the real-time eWallet balance and linked bank account balance within the app.


Merchant Payments via Contactless Technologies

Using contactless technologies like NFC or QR code scanning allows in-store payments with digital wallets. Considering the emerging popularity of contactless payments and their comfort for users, this feature is requisite for an eWallet app’s success.



Budgeting and Planning

Empowers users to grasp and analyze their spending habits and save more through planning their finances right in the app. Users can create categories for expenses and income, set a budget for different categories of expenses, get reminders when the bills are due, set saving goals, etc.



Analytical Dashboards and Diagrams

This feature helps users to stay on top of their money and provides them with all the financial information across their accounts and credit cards through reports, figures, and diagrams.


Split Bill

This nice-to-have feature can turn into a competitive advantage for your eWallet app when it comes to splitting the payment with other people.

Clients’ Testimonials & Awards

What Makes Your eWallet Successful

Secure Payments

As an eWallet App development company with expertise in: Open/Closed wallets, Crypto, P2P, NFC. 300+ FinTech projects, Ph.D. engineers, enterprise security, we can build any type of software. Before the app goes live, we conduct in-depth vulnerability management to identify and eliminate all weak spots. The overall app’s safety against all possible threats and penetrations is secured via source code security analysis and a comprehensive range of penetration tests.

Ease of Use

We develop easy-to-use eWallets with a simple login process helping your end-users easily access their accounts and save their time with transactions available in just a few taps.

Superior UI/UX

A good design in mobile wallet application development is not only about nice visuals, it is also how easily users interact with the product and navigate through it. To deliver an excellent experience to your end-users, we create eWallet apps that are as visually appealing as easily navigated.

User Engagement

We develop eWallet apps that help you in offering discounts, cashback, gifts, promotional offers, etc. to make your app engage users and help it to climb to the top of the app store.

High Discoverability

Mobile wallet application development is half the battle, another half is to make it easily discoverable for users. We know how to optimize your app to make it attract more clients.

FAQ on eWallet App Development

How to develop an eWallet app?

Developing an enterprise-grade eWallet involves: – Planning & Research – Define business goals, analyze competitors, and ensure compliance (PCI DSS, KYC/AML, GDPR). – Choosing Tech Stack – Native (Swift/Kotlin) or cross-platform (Flutter/React Native), with a scalable backend (microservices, AWS, Azure). – UI/UX Design – Seamless navigation, fast onboarding, and intuitive payments. – Development – Secure APIs, real-time transactions, encryption, biometric authentication. – Testing & Security – Penetration testing, fraud detection, load testing. – Deployment & Support – Cloud hosting, monitoring, updates, feature improvements. Want a custom eWallet? Contact us for a free consultation.

How much does eWallet App Development cost?

How much does eWallet app development cost? Costs vary based on features, security, integrations, and compliance: Basic MVP: $30,000–$50,000 (Essential payments, P2P transfers, history). Mid-Tier App: $80,000–$150,000 (Multi-currency, budgeting tools, loyalty programs). Enterprise Wallet: $200,000+ (Banking integrations, crypto support, AI analytics, custom APIs). Some rough numbers you can find in this post.

How long does a mobile ewallet app development takes?

How long does it take to develop an eWallet app? Timelines depend on complexity and compliance requirements: MVP eWallet: ~4–6 months (Core features, simple UI). Full-Featured Wallet: ~9–12 months (Security audits, multi-platform, advanced integrations). Enterprise Solution: 12+ months (Banking-grade security, blockchain, scalability). Need a faster launch?. Contact us to get an accurate estimation of the time needed for the development of the mobile wallet app.

Do you work with integrations?

Yes! We integrate eWallets with banks, card networks (Visa, Mastercard), payment gateways (PayPal, Stripe), open banking APIs, and fraud prevention systems.

Do you provide post-launch support?

Yes, we provide 24/7 support, security updates, performance monitoring, and feature enhancements to keep your eWallet ahead of competitors.

Do you sign NDA and NC agreements?

Yes, we are comfortable with signing legal contracts. We can either sign your contract or draw up, sign, and send you ours.

Do you have experience in eWallet app development?

Yes, as an ewallet app development company we’ve got vast experience in delivering digital wallet solutions. Check out our FinTech portfolio.

How to Choose the Best eWallet App Development company?

To choose eWallet app development company, consider their experience with similar projects, check client reviews and testimonials, assess their technical expertise and design capabilities, review portfolio, ensure they understand your business requirements and compare pricing and support services. Effective communication and a transparent development process are also essential in choosing app development company to work with.

I have a ewallet app idea. What should I start with?

First of all, contact our team to discuss ewallet software development. The next step depends on whether you have the product vision and detailed requirements. If no, the development of your eWallet is advisable to be started with the discovery phase.